Rising medical expenses often hit harder than the illness itself. To ease this financial burden, the Meghalaya Health Insurance Scheme (MHIS) provides much-needed relief to families across the state. This government-supported health programme seeks to make healthcare acceassible to every resident of Meghalaya. Understanding how MHIS works—what it covers, who is eligible and how to apply—can be incredibly helpful if you or your loved ones have ever worried about the cost of hospital treatment.
What is Meghalaya health insurance scheme (MHIS)?
The Meghalaya Health Insurance Scheme (MHIS) is a health insurance initiative run by the Government of Meghalaya. It is designed to provide all eligible residents with free, cashless medical treatment, regardless of their financial background.
The scheme is open to all residents of Meghalaya, except for state and central government employees, who are covered under separate healthcare programmes.
Once enrolled, each beneficiary receives an MHIS smart card, which enables access to cashless treatment at empanelled hospitals across the state and throughout India.
Benefits of MHIS
MHIS coverage provides a wide range of benefits aimed at reducing the financial burden of medical treatment:
- People can avail of treatment at empanelled hospitals without any upfront payment by using the MHIS smart card.
- MHIS serves several government and commercial hospitals all throughout India.
- The programme provides health insurance for family members registered under it.
- MHIS offers a coverage value of up to ₹5.3 lakh annually for every family.
- Coverage includes surgeries, maternity services, cancer treatment and both routine and major medical procedures.
By offering affordable access to quality healthcare, MHIS allows patients to focus on their recovery rather than worry about financial strain.
Eligibility criteria for MHIS scheme
The main eligibility criteria of MHIS scheme are as follows:
- The applicant must be a resident of Meghalaya.
- There are no restrictions based on age or income—anyone can apply, including children and senior citizens.
- A valid government-issued ID, such as an Aadhaar card, is required at the time of enrolment.
Exclusions under MHIS
MHIS contains several exclusions, including:
- Cosmetic treatments like plastic surgery (apart from accident-related needs).
- Non-allopathic remedies including Homoeopathy or Ayurveda.
- Dental and visual treatments (save from those connected to an accident).
- Damage resulting from drug misuse or self-harm.
- Treatments carried out outside of empanelled hospitals.
Documents required for enrolling for MHIS
To register for the Meghalaya Health Insurance Scheme (MHIS), residents must submit the following documents:
- Aadhaar Card
- Recent passport-size photograph
- Domicile certificate or proof of Meghalaya residence
- Mobile number for communication
Once the documents are verified, the applicant will receive the MHIS smart card, which can be used to avail of healthcare services under the scheme.
How to enroll for MHIS?
Enrolling in the Meghalaya Health Insurance Scheme (MHIS) is a simple and straightforward process. Here's how you can apply:
- Visit a Common Service Centre (CSC) or the nearest MHIS enrolment centre.
- Submit the required documents as listed earlier.
- Get your photograph taken for the MHIS card.
- Undergo biometric verification through fingerprint scanning.
- Once the process is complete, you will receive your MHIS smart card.
Additionally, the state government occasionally organises enrolment camps where you can register for the scheme.
Grievance redressal under MHIS
If you encounter any issue pertaining to the MHIS insurance, such as treatment concerns or claim rejections, a grievance redressal system is in place to assist you:
- Contact the MHIS helpline: You can reach out to the helpline number provided on the official MHIS website for support.
- File a complaint: Visit the nearest MHIS office or Common Service Centre (CSC) to register your complaint.
- Email the MHIS team: You can also send an email detailing your issue to the MHIS team.
- For quicker resolution, ensure you keep copies of all relevant medical and claim-related records.
The system is designed to provide prompt assistance, ensuring that individuals receive the necessary treatment and support without unnecessary delays.
FAQs
- What is the validity of the MHIS smart card?
Usually one year, however, it must be renewed once it expires.
- Can I use the MHIS card outside of Meghalaya?
The MHIS cards are accepted in empanelled hospitals all throughout India.
- How to find the MHIS claim status?
MHIS website or helpline lets you check your MHIS claim status. While MHIS has been integrated with PM-JAY (Ayushman Bharat) to offer comprehensive coverage to the people of Meghalaya, it's important to note that MHIS and Ayushman Bharat are distinct programmes.
- How much do I pay for enrolment?
Enrolment under MHIS is free for all qualified residents.
Conclusion
Health issues can arise unexpectedly, and the financial burden of medical expenses can often be overwhelming. This is where schemes like the Meghalaya Health Insurance Scheme (MHIS) become essential. Additionally, if you're considering more comprehensive insurance options beyond MHIS, it might be a good time to explore comprehensive health insurance for family. Many providers offer a wide range of medical insurance policies tailored to individuals, families and even vehicles, ensuring that you and your loved ones are fully protected.
Disclaimer: The information provided in this blog is for educational and informational purposes only. It is not intended as a substitute for professional advice, diagnosis, or treatment. Please consult your general physician or another certified medical professional for any questions regarding a medical condition. Relying on any information provided in this blog is solely at your own risk, and ICICI Lombard is not responsible for any effects or consequences resulting from the use of the information shared.